If you've ever looked up an exchange rate on Google before sending money abroad, you've probably felt that familiar sting of confusion: Why is my bank offering me a rate that's significantly worse? You're not imagining it. The difference is real, it's intentional, and it can cost you hundreds—even thousands—of dollars on larger transfers. The rate you see on Google isn't the rate you'll ever actually get from your bank, and understanding why reveals how international money transfers really work.